13008 Ring Rd, Saint Charles, MI 48655 Property Records

Saginaw County property record for 13008 Ring Rd, Saint Charles, MI 48655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,046 sqft · built 1957
Lot Size	2.05 acres (89,603 sqft)
Owner	Individual Name on Record
Last Sale	$143,500 (Mar 2023)
Tax Bill	$2,753 (2025)
Deeds & Mortgages	Mar 2023 Sale Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-2-13-1002-002`

Property Details

APN / Parcel Number

Primary APN	`08-10-2-13-1002-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	1,046 sqft
Basement Area	1,046 sqft
Unfinished Basement	1,046 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	89,603 sqft (2.05 acres)
Lot Dimensions	267 ft deep x 298 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	56 sqft
Patio Area	490 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	13008 RING RD
City	SAINT CHARLES
State	MI
Zip	48655-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT A PT 346 FT W FROM THE E 1/4 CORN TH CONT W ON E&W 1/4 LINE 298 FT TH N 300 FT TH E 298 FT TH S 300 FT TO POB 2.05
Legal Range	02E
Legal Township	10N
Legal Section	13
Jurisdiction	SAGINAW MI
Township / Civil Division	BRANT
Census Block Group	1
Census Block	1040
Census Tract	12400

Owner

Source: Saginaw County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	13008 RING RD, SAINT CHARLES, MI 48655-9517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Warranty Deed, Transfer DREAM TITLE AND ESCROW AGENCY, DREAM TITLE AND ESCROW AGCY
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 10, 2017	Deed of Trust, Mortgage · Conventional with PMI LAKE HURON CU
May 22, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Jan 6, 2021 · Amount on Record
Deed Document Number	20234926
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Mar 15, 2023
Property Address	13008 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	0000004926
Instrument Date	Mar 9, 2023
Instrument	2023004926
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	DREAM TITLE AND ESCROW AGENCY, DREAM TITLE AND ESCROW AGCY

Transaction

Amount	Amount Recorded
Tax	$1,076.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11388 SUNSET DR, CLIO, MI 48420-1517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4403 N RAUCHOLZ RD, HEMLOCK, MI 48626-9662

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Jan 6, 2021
Property Address	13008 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	2021000739
Instrument Date	Dec 18, 2020
Instrument	2021000739
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	CROSSROADS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13008 RING RD, 13008, SAINT CHARLES, MI 48655-9517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11388 SUNSET DR, CLIO, MI 48420-1517

Mortgage

Document Number	2021000740
Date	Jan 6, 2021
Instrument	2021000740

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	13008 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	0000030752
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13008 RING RD ST CHARLES MI 486559517, ST CHARLES, MI 48655-9517

Mortgage

Document Number	0000030752
Date	Nov 16, 2017
Instrument	30752

Lender

Name	LAKE HURON CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2032

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	May 22, 2017
Property Address	13008 RING RD, SAINT CHARLES, MI 48655-9517
Document Number	0000016637
Instrument Date	May 18, 2017
Instrument	16637
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10549 DEANER RD RIVERDALE MI 488779518, RIVERDALE, MI 48877-9518

Mortgage

Document Number	16638
Date	May 22, 2017
Instrument	16638

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Brant Township
Unified School District	St. Charles Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,200 (+20.32%)	$182,400 (+20.32%)
2025	$2,753.00 (+23.84%) Homeowner's exemption
2023		$75,800	$151,600
2022	$2,223.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2008–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LakeNet Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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